Remember finding extra pennies in your couch cushions or car cupholders? Well, it might be the end of that era — the U.S. could be phasing out pennies for good.
Most of us probably won’t miss them... but still, it’s a small moment of financial history unfolding.
And it’s a great reminder that change (pun intended) usually starts subtly — often right in our pockets — long before it makes headlines.
What do you think – should we say goodbye to the penny, or is it still worth keeping around?
So what happens to America's 114B pennies once the US stops making them?
abc7ny.com
There are an estimated 114 billion pennies currently in circulation, but they are "severely underutilized," according to the Treasury Department.0 CommentsComment on Facebook
When most business owners are just getting started, they’re focused on the essentials:
✔ Landing that first client
✔ Registering their EIN
✔ Getting the website live
And somewhere in that early scramble?
They check the “business insurance” box. Basic policy. Filed away. Forgotten (and that's understandable).
But here’s what we’ve seen — more than once:
A curveball hits — a flood, a break-in, a lawsuit — and suddenly, that old policy doesn’t cover what they thought it did.
The fine print stretches less than expected. And the gap between coverage and reality? Painfully clear.
We’ve helped clients through that. It’s not a fun place to be.
So no, this isn’t a fear-based PSA. It’s a friendly nudge from people who’ve seen the aftermath up close.
📝 𝗪𝗵𝗲𝗻 𝘄𝗮𝘀 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝘁𝗶𝗺𝗲 𝘆𝗼𝘂 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗿𝗲𝘃𝗶𝗲𝘄𝗲𝗱 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲?
A few minutes now could save you a major scramble later.
Your future self (and your balance sheet) will thank you.
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𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗾𝘂𝗶𝘁𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗷𝗼𝗯… 𝗼𝗿 𝗺𝗮𝘆𝗯𝗲 𝗴𝗼𝗶𝗻𝗴 𝗯𝗮𝗰𝗸 𝘁𝗼 𝗮𝗻 𝗼𝗹𝗱 𝗼𝗻𝗲?
You’re not the only one. And this hiring trend means 𝘩𝘰𝘸 you leave can matter just as much as 𝘸𝘩𝘺.
Hiring ex-employees is officially in
www.morningbrew.com
A larger share of new hires are returning former employees.0 CommentsComment on Facebook
When we talk to our clients about tax planning, they almost always brush past student loans. But here’s the thing — student loans (and repaying them) do affect your tax situation.
If you’ve paid interest on your student loans this year, you might qualify for a deduction of up to $𝟮,𝟱𝟬𝟬 — even if you don’t itemize. (𝘠𝘦𝘴. 𝘙𝘌𝘈𝘓𝘓𝘠!)
But there’s fine print:
If your income is over $80K (or $165K for married couples), that deduction starts vanishing.
For some of our clients, that means exploring 𝘰𝘵𝘩𝘦𝘳 ways to align their student loan strategy with their bigger tax strategy.
If you’re making payments but unsure if it helps come tax time, let’s run the numbers.
It’s not just about what you pay. 𝗜𝘁’𝘀 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻.
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Been thinking about finally getting that electric vehicle?
Or maybe installing solar panels, or upgrading your insulation?
Here’s something to keep on your radar:
Some of the biggest tax credits for clean energy, like...
⚡ $7,500 for new EVs
♻️ $4,000 for used EVs
🏡 Home energy upgrades
...could 𝘥𝘪𝘴𝘢𝘱𝘱𝘦𝘢𝘳 after 2025 if Trump’s proposed tax bill passes.
Now, nothing’s official yet — it’s still a big IF.
But if these savings matter to your budget, it might be smart to plan ahead 𝘫𝘶𝘴𝘵 𝘪𝘯 𝘤𝘢𝘴𝘦.
We’re here to help you sort through what’s changing, what’s possible, and how to build a smart tax strategy either way.
Let’s make sure your plans work with the tax code — not against it.
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We’ll never knock curiosity. So, let’s hear it: what’s a tax write-off you 𝘸𝘪𝘴𝘩 someone would explain in plain English?
Drop it below – and help US help YOU.
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Culture doesn’t NEED an office. It needs 𝗶𝗻𝘁𝗲𝗻𝘁𝗶𝗼𝗻. We were talking with a client the other day who runs a 12-person fully remote team. She was struggling.
“It’s like pulling teeth getting people to engage virtually.”
(𝘏𝘰𝘸 𝘢𝘣𝘰𝘶𝘵 𝘺𝘰𝘶 – 𝘤𝘶𝘳𝘳𝘦𝘯𝘵𝘭𝘺 𝘥𝘰𝘪𝘯𝘨 𝘢𝘯𝘺 𝘵𝘦𝘦𝘵𝘩-𝘱𝘶𝘭𝘭𝘪𝘯𝘨 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘳𝘦𝘮𝘰𝘵𝘦 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴?)
Here’s what we told her to do (and what we’d recommend for you, too): Start by putting your team culture in writing. Use a slide deck, a PDF, a Word doc – whatever works best for your team. Because you can’t build what you haven’t first defined.
The result? Your team will feel grounded in a shared mission. They’ll feel more connected to the business AND each other.
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